Never count money that you do not have! How can you spend money that you do not have? The answer is you cannot. If you are in a situation where you are awaiting money, do not count that money as something you have, until you actually have it. You could actually putting yourself in a hole. In fact when you loan someone money and they give you an exact date as to when you will get it back, do not count that as money you have. Life happens and some people do not make good on their promises. Simply put....NEVER COUNT MONEY THAT YOU DO NOT HAVE!